In accordance with the Act on the Protection of Personal Information (Act No. 57, May 30, 2003) and the Act on the Use of Numbers to Identify a Specific Individual in the Administrative Procedure (Act No. 27, May 31, 2013), the Bank shall use collected customers’ “personal information and ‘social security and tax numbers’ (“Individual Numbers”)” (collectively, “Personal Information”) for the following operations within the scope required to achieve the following purpose of use.
The Bank shall stipulate the purpose of use specifically for customers’ clear understanding of the purpose. For instance, when the Bank asks customers to answer questionnaires, the Bank shall endeavor to limit the purpose of use (e.g., to count and organize questionnaire results) according to the situation.

Investment trust sales, insurance sales, securities brokerage, trusts, corporate bonds, and other operations that banks are permitted to operate under the laws, and incidental operations thereto

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Other operations that banks are permitted to operate, and incidental operations thereto(including those that will be permitted to be handled in the future)

Purpose of Use

[1]Purposes of Use of Personal InformationOf the Personal Information, the Bank shall use personal information to the extent required to achieve the following purposes of use:1. Concerning finance instruments and services of the Bank and its affiliates and partners, the Bank shall use personal information for the following purposes of use:

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Receive applications for financial instruments and services (e.g., application for opening an account for various financial instruments);

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Conduct identity verification based on the Act on Prevention of Transfer of Criminal Proceeds and confirm eligibility for using financial services;

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Conduct management for continuous transactions (e.g., due date control in deposit, loan, and other transactions);

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Make judgments on the appropriateness of providing financial instruments and services (e.g., judgment against the principle of appropriateness);

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When all or part of processing of personal information is entrusted by other businesses, accomplish this entrusted operation appropriately;

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Exercise rights or fulfill obligations in accordance with contracts (i.e., contracts between a customer and the Bank and contracts directly or indirectly related to the Bank's operations) and the relevant laws and regulations;

Provide customers with various proposals on financial instruments and services by sending direct mail or other means;

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Provide customers with various proposals on the products and services of its affiliates and partners;

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Cancel various transactions and conduct management after cancellation of transactions; and

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Any other purposes for administering the Bank’s financial instruments and services appropriately and effectively.

[2]Purposes of Use of Individual NumbersOf the Personal Information, the Bank shall use Individual Numbers and personal information incorporating Individual Numbers within the scope required to achieve the purposes of use listed below:1. Individual Numbers administrative operations for customers

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Application for and report of the opening of accounts for financial instruments transactions

Preparation of payment reports for remuneration for the acquisition of real estate and so forth

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Preparation of payment reports for agent commissions for selling/purchasing/lending of real estate and so forth

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Preparation of payment reports for remuneration paid to nonresidents and so forth for personal services provision business

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Preparation of payment reports for real estate rentals paid to nonresidents and so forth

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Preparation of payment reports for industrial property royalties paid to nonresidents and so forth

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Preparation of payment reports for machine rental fees paid to nonresidents and so forth

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Preparation of payment reports for salaries, compensation, pensions, and awards paid to nonresidents and so forth

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Preparation of payment reports for remuneration for the acquisition of real estate paid to nonresidents and so forth

3. Utilization for operations related to the Bank to the extent permissible under laws and regulations

4. If the Bank is entrusted with business by a company or organization and handles the Personal Information of the employees, members, retired employees, and shareholders of such company or organization in the course of business, the Bank shall use their Individual Numbers solely to the extent required to fulfill entrusted operations in accordance with the provisions of the service agreement of each operation.

〈Request to report any change of your Individual Number〉If your Individual Number is changed, please promptly report it to the counter of your branch or"Shinsei Power Call" (0120-456-007; Service hours: 24 hours/day; 365 days/year)

Regarding Sensitive Information

Pursuant to the Enforcement Regulations of the Banking Act, etc., any special private information such as sensitive information (information which is not open to the public, such as information on race, belief, family origin, registered domicile, healthcare record or criminal record and so on) shall not be used for any purpose other than those deemed necessary for the appropriate management of operations or otherwise nor shall it be provided to any third party.

Upon Solicitation of Insurance Products

Upon solicitation of insurance products, the Bank shall use personal information to the extent required for the fulfillment of the following purposes of use in addition to those stated above.

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For the purpose of appropriately performing the business entrusted by insurance companies

Upon Conducting Housing Loan Transactions

Upon conducting housing loan transactions, the Bank shall use personal information only to the extent required for the fulfillment of the following purposes of use, in addition to those stated above.

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Approve or rejection of applications for loans, the continuous use of loans and so forth;

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Provision of personal information to third parties such as personal credit information institutions of which the Bank is a member, to the extent required for the appropriate performance of operations, while the Bank is offering credit;

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For the purpose of provision to third parties (to insurance underwriters) to the extent required for the administrative purposes of the insurance underwriter upon accepting applications for group credit life insurance; and,

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For the purpose of appropriately performing the business entrusted by insurance companies upon accepting applications for fire insurance.

Pursuant to the Enforcement Regulations of the Banking Act and so forth, any information concerning the debt-paying ability of the customer who is in need of funds shall not be used for any purpose other than examination of the debt-paying ability of such customer nor shall it be provided to any third party.

In relation to the credit business, the Bank shall provide information to the personal credit information institutions described below only to the extent required for the appropriate performance of business pursuant to the membership provisions of such institutions.

Please note that the information provided to The Personal Credit Information Center and Japan Credit Information Reference Center Corp. may be used by the following personal credit information institutions which form business alliances with the institution.

Aiming to become a financial group that is truly needed by our customers, the Shinsei Bank Group will share customer personal data as follows in order to strengthen collaboration between Group member companies and offer products and services with more added values to our customers. We will build a proper management system for sharing the information so that we will not cause any inconvenience to our customers. If there is any restriction by related laws and regulations such as the Financial Instruments and Exchange Act, we will handle the information in a manner which complies with such laws and regulations.

1. Shared personal data items

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"Attribute information" such as name, gender, date of birth, address, telephone number, email address, occupation and employment history, family information, residence status, customer needs information, codes and numbers such as the driver's license number, and disclosure information (including the information obtained by receiving a notice from customers after concluding a contract)

"Transaction information" such as transaction record (including images and voice, etc.), transaction amount, and balance, etc.

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"Information necessary for credit decision and management" such as the use record of other products and services and debt repayment status collected by Shinsei Bank annual income (including household income), spending, assets, liabilities (However, the credit information obtained from personal credit bureau is excluded)

Propose or introduce products and services of our Group member companies and our partners : We will propose or introduce the products and services of the Shinsei bank Group member companies and our partners to the Shinsei Bank Group customers.

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Provide after-sales services and benefits and preferential treatment offered by the Group : We will consider offering a complete range of services including a point program to the customers of the Shinsei Bank Group's products and services.

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Make judgements on offering our products and services : Based on customer information, we will propose the best products and services for our customers.

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Enable the Shinsei Bank Group to capture various risks, control credits, and manage the Group in an appropriate manner : We will build an appropriate management and control system of the Shinsei Bank Group to offer products and services to our customers in a stable and continuous manner.

Method of sharing the information : The personal data will be shared through methods including data transfer and use of media such as CD-ROM,

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Suspension of information sharing : Please contact the following number if you wish us to stop sharing your personal data for proposing or introducing products and services of our Group member companies or our partners to you, or if you have any inquiries related to the information sharing in the Shinsei Bank Group:
Shinsei Power Call: 0120-456-007 Business hours: 8:00 a.m. - 9:00 p.m.

For customers who use Shinsei American Express Cards

The Bank along with American Express International, Inc., jointly use the following data regarding the personal information of customers which we accumulated from accepted applications for Shinsei American Express Cards. For details, please visit the website of American Express International, Inc.

Information under Joint Use

Information on the profiles of card members (name, address, date of birth, telephone number, etc.), information on debit accounts, and information on use of cards

Purposes of Use

Solicitation, issuance, maintenance, provision of basic and incidental services, and marketing activities such as provision of information on operations in relation to cards

I represent and covenant that I am not and will not be an organized group of gangsters (boryoku dan), a member of an organized group of gangsters, a person whom 5 years have not yet passed since leaving an organized group of gangsters, a quasi member of an organized group of gangsters, an affiliated business enterprise of an organized group of gangsters, a sokaiya corporate racketeer, a hoodlum who claims to advocate for social activities etc. (shakai undo tou hyoubou goro), a violent group with special intellect etc. (tokushu chinou boryoku shudan tou), or others who conform to these persons or groups ("Organized Crime Group Members, etc."), and that I do not, and will not, constitute any of the following 1. (a) - (e), and that I do not, either in person or with the assistance of any third party, engage in any activities that correspond to any of the following 2. (a) - (e). I will not make any objections if the Bank suspends transactions under the PowerFlex account or, upon notice, terminates the PowerFlex account, in cases where: I have breached the representations and covenants I made above; or the representations and covenants I made above have proved to be false. If such suspension of the transactions or termination of the PowerFlex account causes any damages, I shall take full responsibility and I will not claim for any damages against your Bank, and will compensate any damages incurred by your Bank.

1.

(a) Connected with Organized Crime Group Members, etc. where my management is recognized to be controlled by Organized Crime Group Members, etc. ;
(b) Connected with Organized Crime Group Members, etc. where Organized Crime Group Members, etc. are recognized to be substantially involved in my management;
(c) Connected with Organized Crime Group Members, etc. where I am recognized to be wrongfully using Organized Crime Group Members, etc. to fraudulently benefit oneself or a third party or for the purpose of causing damage to a third party;
(d) Connected with Organized Crime Group Members, etc. where I am recognized to be providing funds, etc. or necessary accommodations to Organized Crime Group Members, etc.;
(e) Officers or persons who are substantially involved in my management have connections with Organized Crime Group Members, etc. which should be socially condemned.

2.

(a) Making a threatening demand (boryoku-teki yokyu koui);
(b) Making an unjustifiable demand beyond legal liability;
(c) In relation to a transaction, engaging in threatening speech or behavior or using illegal force;
(d) Damaging the credit of your Bank or obstructing your Bank's business by spreading false rumors, using fraudulent means or using illegal force; or
(e) Any activities similar to any of the foregoing.